McCurtain County flood history
Oklahoma · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 54 flood insurance claims in McCurtain County, Oklahoma since 1978. The NFIP paid $922,603 on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2015, with 13, mostly from Early winter storms.
In the last ten years (2017–2026) there were 16 claims, and the average paid claim was $23,062.
11% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.3% of homes in McCurtain County, Oklahoma had an NFIP flood policy in FEMA's latest count (37 of 14,527 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 3% (22 of 794).
Since 2000, FEMA has made 6 flood-related disaster declarations covering McCurtain County, Oklahoma. The most recent was DR-4256-OK (Severe Winter Storms and Flooding), declared February 10, 2016.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2026 | 5 | $79,239 |
| 2021 | 1 | $20,579 |
| 2020 | 6 | $169,509 |
| 2019 | 1 | $63,250 |
| 2017 | 3 | $13,355 |
| 2016 | 5 | $108,956 |
| 2015 | 13 | $191,188 |
| 2013 | 1 | $0 |
| 2011 | 7 | $142,318 |
| 2009 | 1 | $2,915 |
| 2008 | 5 | $110,000 |
| 1993 | 6 | $21,295 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Early winter storms | 2015 | 6 | $56,231 |
| Flooding | 1993 | 1 | $1,160 |
How many homes have flood insurance
FEMA counts 37 residential NFIP policies in McCurtain County, against 14,527 residential buildings (0.3%). Of the 794 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 22 have an NFIP policy (3%). Private flood policies aren't in these counts.
Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?
Flood-related disaster declarations
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4256-OK | Feb 10, 2016 | Severe Winter Storms and Flooding | No |
| DR-4222-OK | May 26, 2015 | Severe Storms, Tornadoes, Straight-Line Winds, and Flooding | Yes |
| DR-1752-OK | May 5, 2008 | Severe Storms, Tornadoes, and Flooding | No |
| DR-1712-OK | Jul 7, 2007 | Severe Storms, Flooding, and Tornadoes | Yes |
| EM-3272-OK | Jan 14, 2007 | Severe Winter Storms and Flooding | No |
| DR-1384-OK | Jun 29, 2001 | Severe Storms, Flooding, and Tornadoes | No |
Check your own address
County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of Oklahoma.
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.